Capital One and Kohls...

So I sent the initial GW to Kohls and got the " Sorry, we can't change the late payments" blah blah blah... Has anyone gotten the inital denial and the bounced back with lates deleted after another shot of GWing it? I am writing the letter right now.

I also just wrote the GW letter to Capital One, wish me luck. Seeing people get things removed from them really gives me a glimmer of hope.

But I guess my real question is, all these late payments are about 2.5-3.0 years old(with DoFD at 2005 for the Capital One). If I can't get these off, is there a *threshhold* where the scores start creeping back up the longer these remain?

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